Go to the login page of AOL (AvSuper Online) and click ‘forgotten your password’. We will email you with a link which gives you temporary access so you can reset your password to one you will remember easily.
If you have been locked out of your account because of too many incorrect logins, please contact us for help.
Yes, and you can even arrange it online! No fee is charged by AvSuper for such transfers, however, your may need to check with the other fund whether you will lose any benefits (such as insurance arrangements) by making the transfer. Please refer to our transferring to AvSuper page for details.
When the money is received it goes into the accumulation section of the Fund and accrues interest according to the investment choice you have made, or at the rate applicable to the Growth (MySuper) option if you haven’t made a choice.
Our Family law and superannuation fact sheet briefly describes the process which you need to follow to obtain the necessary information. In most cases, AvSuper does not charge for providing the information.
If you are a defined benefit member, it is advisable to obtain a valuation of your benefit as well. It is likely that the Family Court will require this information. Your legal adviser can normally arrange this. We can provide a valuation for a fee of $250.
If you decide to split your superannuation as part of the settlement, there is a charge of $410 – $205 is deducted from the account balance of each party at the time the benefit is split.
Any queries on Family Law issues can be directed to us on (02) 6109 6888 or 1300 128 751.
Since 1 July 2017, most AvSuper members (excluding defined benefit and css members) may be able to claim a tax deduction for personal contributions up to certain limits. For full eligibility and claim information, please refer to our tax deduction fact sheet.
A tax offset may also be available for contributions made for a spouse within certain limits.
Remember that for tax concessions to be claimed for a contribution, it must be in our bank account by 30 June of that financial year. Don’t leave the contribution until the last minute or you may miss out on the deduction!
No. When you are eligible to withdraw your super, you can leave it in AvSuper, take it as a lump sum or purchase an AvSuper retirement income stream, as described in the income stream section of our website.
An after tax contribution (also known as a non-concessional contribution) is one you have made from your net salary. Your gross salary will have been taxed at the appropriate rate and your nominated contribution will then have been deducted from what is left.
As you have already been fully taxed on this money it will not be taxed again by the superannuation system, either on entry or exit. Any earnings on it will however be subject to taxation in the Fund and assessable for taxation purposes on exit. It is considered a personal contribution for purposes of attracting a Government co-contribution, providing other criteria are met.
A before tax or salary sacrifice contribution (also known as a concessional contribution) is one taken from your gross salary. This option is only available if your employer agrees to it.
The chosen contribution is taken from your gross salary and you are only taxed on what is left. A contribution made in this way is classed as an employer contribution. 15% tax is deducted from the contribution when we receive it and earnings on it will be taxed. It is not considered a personal contribution to qualify for the Government co-contribution.
Salary sacrifice contributions are classed as concessional contributions for contribution limit purposes. Since 1 July 2009 salary sacrifice contributions have been included as assessable income for the purposes of determining your eligibility for the Government co-contribution.
Anyone aged between 18 and 67 can contribute to superannuation and in some cases those under 18 may also contribute if they are working. Contributions can also be paid by the employers of these people. Once you reach age 67, restrictions are placed on personal and employer contributions, as explained in the table below.
An award contribution is one required to be paid to an employee under an industrial award.
Superannuation Guarantee employer contribution
Award employer contributions
Voluntary employer contributions (including member salary sacrifice contributions)
Only if employee has worked at least 40 hours in not more than 30 consecutive days in the financial year
Only if contributor has worked at least 40 hours in not more than 30 consecutive days in the financial year
Only if employee has worked at least 40 hours in not more than 30 consecutive days in the financial year
Only if the employee has worked at least 40 hours in not more than 30 consecutive days in the financial year
Since 1 July 2016, employers must pay a minimum amount of super into a complying super fund for their Norfolk Island resident employees. The superannuation guarantee (SG) for Norfolk Island residents commenced at a rate of 1% of employee earnings for work performed on Norfolk Island, and increases annually over twelve years. The rate is 5% for 2020-21.
Between 1 January 2009 and 30 June 2017, AvSuper reimbursed contributions tax to eligible member accounts when the money was paid to a dependant as a death benefit; this is called anti-detriment and is calculated in accordance with an ATO formula defined in tax legislation. Updated legislation prevents us from paying this from 1 July 2019, regardless of the date of death.
A defined benefit is where the amount of your end benefit is determined by a formula based on your final average salary and your accrued benefit multiple. The level of salary increase you receive will therefore have a substantial impact on your retirement benefit. The size of the multiple will depend on the period of time you have been in the scheme and the amount you have personally contributed.
The earning rate of the fund has no bearing on the overall size of your benefit and your employer bears the investment risk. If returns are high the employer is not required to contribute as much to fund the benefit. However, if returns are low then the employer will have to contribute more to AvSuper.
Generally yes. Airservices employees who transfer to or from CASA (ie without a break or other employment in between) may be considered as ongoing Corporate defined benefit members and may be able to keep their defined benefit arrangements as if no change in employment had occurred. Approval may be required from your employer and/or AvSuper.
The salary used to determine your final average salary is always the full-time salary. Your part-time service will be reflected by a slow down in the growth of your multiple. For example, a full-time member might accrue 10% of FAS for each year of service. If that member worked part-time performing half the required hours for a year, they would accrue only 5% of FAS.
Generally, you will continue to accrue the normal benefit for the first 12 weeks (84 days) of any period of leave without pay, and you will also have to continue any contributions you have chosen to make yourself. After 12 weeks you will cease to contribute and accrue benefits. If you do not want to personally contribute for the first 12 weeks simply complete a Change of Contributions form and submit it to your payroll area before the payday on which you want your contributions to cease.
Please note that changing your contribution rate may effect your eligibility for grandfathering provisions under the contribution cap rules. Please see our Understanding contribution limits for further information.
For periods of approved unpaid parental, study and sick leave you will continue to accrue benefits and be expected to pay any contributions you have chosen to make, unless you request otherwise.
No. In the defined benefit scheme the investment return has no impact on your end benefit. Your employer bears the investment risk.
If you also have an accumulation (voluntary) account with AvSuper, you may choose between a range of options for the investment of this money and there is no fee for changing this choice! Information on the options and on investment choice are included in our Member Investment Choice (MIC) Guide.
Between 20 August 1996 and 30 June 2005, the Government applied a tax surcharge to employer contributions made for higher income earners.
As AvSuper paid the surcharge on defined benefit members’ behalf, you may have a debt to the Fund. Interest is applied to this debt at the earning rate of the defined benefit portfolio, and the debt is fully recovered by AvSuper from your account balance when your benefit becomes payable.
Any outstanding surcharge amount is listed on your annual member statement.
You can clear your debt (in part or in full) using your accumulation account, if you have one. Simply write to us and tell us how much to withdraw from your account to cover the debt.
If you don’t have an accumulation account and want to pay off your debt, please contact us to discuss how this can be arranged.
Your employer will make contributions generally based on the actual base salary you receive each pay period, including allowances. Your contributions are calculated by your employer and any queries you have, such as what allowances are actually included, should be referred to your pay office.
Your employer superannuation contributions are a percentage of your salary and recognised allowances you receive in a pay period. Therefore if you receive no pay you will not be entitled to any employer contributions or any salary sacrifice or after-tax contributions made via your employer. If you receive only part of your normal pay, you will receive only part of your normal contributions for that period.
Yes, you may choose between a range of AvSuper investment options and you can spread your investments across the options if you wish. You can also choose to have your existing balance invested differently to your future contributions. You may vary your options weekly and there is no charge for doing so. A description of the options and some points for you to consider are included in the the Member Investment Choice (MIC) Guide . If you wish to exercise investment choice simply log into AOL (AvSuper Online) or complete the Nominate / switch investment options form and forward it to the address shown on the form.
There are fees for the administration and investment costs associated with your account. Some of these are deducted weekly from your account balance and others are taken into account in the calculation of unit prices. A full description of the fees payable, how they are applied and examples of this are included in the Fees and Charges section of the relevant Product Disclosure Statement.
If you have AvSuper insurance cover, fees will also be deducted from your account each month – please refer to our insurance guide for details.
Unitisation is similar to buying and selling stocks, with frequent price changes. Units are allocated to you when we receive a contribution or rollover for you. Your unit holding decreases when you make a withdrawal, receive an income stream payment, leave AvSuper or we deduct fees, taxes and insurance fees.
The allocation price is based on that day’s unit price so even regular contributions often convert to a different number of units. For members, the buying and selling price is the same. We take out fees and any applicable tax before setting unit prices. You can find current and historical unit prices in graph and tabular form.
AvSuper’s accumulation and income stream investments are unitised. AvSuper’s defined benefit accounts are based on a multiple of your final average salary (FAS) and are not unitised.
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The information or advice on this website is general factual information or general advice only and is not intended to be personal investment advice. Any general advice does not take into account your personal objectives, financial situation or needs, and should not be taken as personal investment advice or personal advice in relation to insurance or any other matter relating to an AvSuper product. Before you make any decision about acquiring or continuing to hold an AvSuper product you should consider the relevant Product Disclosure Statement.
While all reasonable care has been taken in producing this information, neither AvSuper Pty Ltd nor its directors warrant its accuracy or completeness and will not be liable for any loss or damage suffered as a result of any inaccuracies, errors or omissions. The content on this site may change at any time. If there is any discrepancy between the information in this website and the Trust Deed and Regulations, the Trust Deed will be the final authority.